We’ll help you find a financing solution that’s right for you.
Flexible, tailored repayments
Our relationship managers will customise terms and repayment packages based on your unique business circumstances.
Fair rates and no hidden fees
We calculate our interest rates transparently and fairly - no 0% interest with shady small print.
Quick and simple
Applying is easy, transparent and quick. You can have money in your account within 48 to 72 hrs.
Financing that’s tailored to your unique business needs.
Find out more about our financing solutions below - from invoice discounting to agri loans, working capital to order financing.
Even if you don’t see something that you think fits your circumstances, please do contact us - they are flexible enough that we can customise them to your unique business needs.
Invoice Discounting
If you need to unlock the value of invoices right away while you wait for your client to pay, then this is for you.
- Fast, simple application.
- No additional security required.
- 70% of invoice value can be discounted.
- Length of loan is up to 90 days.
- Cash can be used for any purpose.
- We have to take a small percentage for ourselves, so you’ll receive a bit less than your original invoiced amount.
Key info:
We don’t have rigid requirements, but as a bare minimum you should try to have the following...
- You should have a registered business (we’ll ask you for that pesky PACRA printout).
- You must have invoiced your client in Zambia for goods or services you’ve already provided.
- You need to give us a valid invoice from a reliable off-taker.
Order Financing
If you need money now to be able to fulfill an order, then this is for you.
- Don’t delay or turn down orders.
- Grow your business to its full potential.
- Consistently provide goods or services.
- Length of loan is up to 180 days.
- Flexible repayments.
- We'll need collateral to finance your order which might be a bit more tricky for you. We’re here to find solutions and will do our best to make sure you’re comfortable.
Key info:
We don’t have rigid requirements, but as a bare minimum you should try to have the following...
- You should have a registered business (we’ll ask you for that pesky PACRA printout).
- We'll need an approved purchase order or contract from a reliable off-taker in Zambia.
- You'll need adequate collateral to cover facility by 150%. Please get in touch with one of our relationship managers so we can make a plan for what collateral can be used.
Working Capital Loans
If you need a cash injection to help you pay your short-term obligations, then this is for you.
- Get cash now to continue operating.
- Get time to rotate funds in business.
- Funds can be released in tranches.
- Length of loan is up to 180 days.
- Pay back in installments.
- We'll need collateral and the longer duration of loan entails a higher cost of borrowing.
Key info:
We don’t have rigid requirements, but as a bare minimum you should try to have the following...
- You should have a registered business (we’ll ask you for that pesky PACRA printout).
- You should have a contract or some expected cash flow that you can prove.
- We need information about what you’ll do with the money.
- We need to know how soon you’ll be able to pay us back.
Term Loans
If you need a bit of extra money to finance a project or equipment, then this is for you.
- Unlock a bigger chunk of money.
- Get cash for big ticket items.
- Flexible terms allowing grace period.
- Length of loan is up to 18 months.
- Pay back in installments.
- We'll need collateral and the longer duration of loan entails a higher cost of borrowing.
Key info:
We don’t have rigid requirements, but as a bare minimum you should try to have the following...
- You should have a registered business (we’ll ask you for that pesky PACRA printout).
- You should have a contract or regular cash flow.
- We need information about what you’ll do with the money.
- We need to know how you plan to get the money to pay us back.
Agri Loans
If you’re a small or medium-scale farmer needing to finance your inputs, then this if for you.
- Easy and fast process for Farm Depot clients.
- No additional security required.
- Length of loan is up to 10 weeks.
- Loan tailored to suit production cycle.
- Technical support to boost your outputs.
- If you're not a Farm Depot client, we'll need additional collateral.
Key info:
We don’t have rigid requirements, but as a bare minimum you should try to have the following...
- Either you should be a Farm Depot client or you should be running a small or medium-scale farm with a traceable track record.
How it works
1.
Get in touch!
Browse our site, then contact us in whichever way suits you best, then one of our relationship managers will help tailor the best solution for your unique business needs.
2.
Submit your documents
We don’t have lots of rigid requirements, however we will need a few things from you such as PACRA and some other documents. Don’t worry - our advisor will help you with these.
3.
Get your money!
Once we have all your documents and you have read and signed your contract, the money will be in your account as soon as possible - usually between 48 and 72 hours.
